I Need Coverage Now!

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The landscape in which I advise clients is navigated by means of medical and financial underwriting.  Carriers assess the mortality or morbidity risk (sometimes both) of each client on an individual basis.  This typically involves the submission of a medical exam as well as relevant records obtained from any physicians consulted.  The underwriters will also… [Read More]

When More Income is the Outcome

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For many years, we have been living in the era of low interest rates. While this environment has consequences for all of us, retirees and their advisors are particularly feeling the impact. Projections and assumptions that many pre-retirees incorporated into their planning have been ratcheted down as rates declined and remained low. Many Americans are… [Read More]